I rented car by Amex and it gives you car insurance. But this has only secondary coverage:
This benefit provides secondary coverage and does not cover liability, damages to vehicles other than those rented by the Card Member, and injuries to people in other vehicles.
But here is written:
If you don’t have personal auto insurance or if you’re renting a car in a country where your personal auto insurance isn’t in effect, then any card that offers secondary coverage becomes primary, so it should theoretically cover the entire cost of the damage.
So, I don't have personal auto insurance, doesn't it mean I don't need to buy additional primary coverage (from Amex), because it's already covered?
I just want to understand does it makes sense to buy Amex primary insurance if I already have it?